at hearkens it hearkens back to a proposal in the clinton health care era in allowing people as young as 60 or maybe even 55 at 1.2 by ian at the full actuarial cost. any reaction to that via any of the panelists? >> it makes much less sense given the passage of the affordable care act. i think the issue that had been dealt with previously is that because there are individuals who, for whatever reason, no longer have other sources of insurance coverage in their pre-medicare years, would it be okay to let them buy and on an unsubsidized basis to the medicare pool. we don't have to do that now because we have the affordable care act, which will make insurance via either medicaid or the exchanges available to people in a group setting. so it doesn't mean, you could think about technically doing it that it does not make a lot of sense. >> i totally agree and my first reaction too is such a proposal in today's context would actually make those individuals were soft when it was brought over to the medicare program with the same set of subsidies that would be available to those individuals t